GEMHL/igroup Mortgage?

Kel311

Hello, I am new here, just looking for some advise, my husband and I are very keen to buy our first home, currently renting at the moment, my credit history is excellent, my husband a few years ago due to being made redundant fell into alot of debt as a result of this he currently has two settled defaults on his file, one is for car finance he defaulted at around 6K and the other was a current account with a bank when he went over his overdraft etc etc he ended up with a default for 3K both are 3 years old now and are completely settled and were settled the minute he got back into work and sorted his finances out. We tried at the end of last year by going to a mortgage advisor who came back and advised that the only companies willing to lend was Beacon or Platform, we ruled Platform out immediately as their rate was 8.69% with a 40% deposit, Beacon however were happy with our 25-30% deposit which we have and a rate of 6.25% we were relatively happy with that because of the poor history my husband has, whilst we were looking for our first home Beacon withdrew all further lending so which brought a halt to all your plans, I have just done a bit of research on the net and found a company called igroup who are part of GE Money who have just launched new products for people with minor credit problems, anyone had any dealings with this company? Also do you think they would automatically rule us out baring in mind my husbands defaults are so high, as I say they have been settled sometime ago and he has kept a clean credit history ever since, anyone with any advise? Thanks